For just a few weeks now, maybe 3, I’ve been “throwing” money into a special box next to my desk…money each day that I didn’t spend on eating out for lunch. I call mine the “Chic-Fil-A Factor box” instead of Latte Factor. I typically would go there 3-4 days a week for b’fast or lunch, or dinner with my child on our way home from school/work. (I’m from Georgia and CFA is the most popular high end fast food place here. Lunch is usually $5-6 a pop). Right now, there is $82 in my box that would otherwise be in Chik-Fil-A’s til. I plan to keep collecting it for awhile longer and then put it in the bank and use it to start paying down a big credit card balance that is hanging over my head.

Also, since becoming more aware of where my money is or isn’t going, I have not used a single credit card (in almost a month)… that’s BIG for me… so soon the balance will start coming down, but at least it hasn’t gone UP in the last several weeks. That has already made me feel better than I have felt in ages and ages.

I bring my lunch to work and ENJOY it; knowing it cost me $2 or less, and I like imagining putting the money I didn’t spend eating out into the box…and using it for better purposes later.

As I have started all this, I am being convinced that aside from the Bible, yours are the most important books I could possibly be reading. I have become like a sales rep for you and am pushing my close friends to run, NOT WALK, to the bookstore and get these books.

I cannot thank you enough for all this information. I can now be counted among your group of fans for life.